Now that Thanksgiving is over and autumn is coming to an end, the fun winter holidays are upon us! If you plan to be a holiday host, make sure that your guests have a good time and stay safe, both in the party and on the way back. Keep these tips in mind for your upcoming holiday season to help prevent liability risks that accompany most of the festivities:
- Beware of Christmas decorations: If there are children in the game, try to keep small fragile items and other choking up so they are out of reach . Move decorative candles away from flammable objects in case they are accidentally struck and knocked down by a guest
- Monitor the eggnog bowl :. People often tend to let go during the holiday season can lead to over-drinking. Try to keep a variety of food options and soft drinks available to help limit alcohol consumption of the guests. Also, monitor your own alcohol to make sure you are in the right frame of mind to protect your guests from driving while intoxicated. As the party winds down, offer coffee, tea, water or soda instead of serving alcohol
- List of ingredients in holiday treats :. A big aspect of Christmas is plenty of food, but many treats contain ingredients that people can not eat. Ask in advance if all guests have food allergies, and be sure to mark treats with ingredients so customers can monitor what they eat
- Prepare for winter . Depending on the weather, the roads are covered with ice, sleet and snow. Try to keep all aisles and entrances clear of these dangers. Spread sand and salt to melt the ice and shovel the snow and sleet to leave a safe path. Tell customers slippery conditions in advance so they have time to prepare and take solid boots
- Animals and property :. If you want to leave your pet mingle with guests, be sure to monitor their behavior. Pets can become overwhelmed if there is an abundance of people, and a playful nip could turn into a serious bite. If things start to degenerate, keep your pet closed in a separate room until the party dies again. Also, if your house has guns or swimming pools, make sure they are locked and secured. Always be careful of your belongings when you have guests at home; accidents happen and sometimes they can be very serious.
Although the average policy owners provides liability coverage, personal umbrella policy provides coverage above limits and beyond the limits of owners. If disaster strikes and you are responsible for an accident caused by a holiday hazard, personal umbrella policy can extend your liability coverage up to $ 10 million (according to the set limits). If you are hosting a party in a place other than your home, please consult your independent agent to discuss additional hedging considerations.
The holidays are a time of celebration and fun, so do not let a danger ruin the party. Follow these tips to keep your guests safe and fun party. If you're not sure what you could be held liable, see the liability laws of your state. Although the holidays come to an end, a personal umbrella policy is an excellent product for an extended liability coverage throughout the year!
The benefits described here are in the most general terms, and subject to the conditions and the actual policy exclusions. For the wording of the cover, conditions and exclusions, please contact your policy or agent.
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